For younger traders, this is worth looking at.

A $25,000 investment in 2001 would have returned the following:

$iShares Semiconductor ETF(SOXX)$  $1,478,244 (+5,813%)

$Invesco QQQ(QQQ)$  $637,624 (+2,451%)

$iShares Russell 2000 ETF(IWM)$  $239,511 (+858%)

$SPDR S&P 500 ETF Trust(SPY)$  $236,641 (+847%)

$SPDR Dow Jones Industrial Average ETF Trust(DIA)$  $198,776 (+695%)

If you're 50 or younger, this kind of long-term allocation is something to consider for a retirement account:

25% SOXX

25% QQQ

25% SPY

10% IWM

15% in bonds for a safer 4-5% return

Allocating and contributing this way starting with $100,000 at age 30 could put you in multi-millionaire territory by your 50s, with early retirement on the table.

The reality is 80-90% of short-term active traders fail to beat SPY consistently. If someone still wants to trade actively to learn the market, limiting active trading to the 15% that would have gone to bonds seems reasonable, assuming they think they can beat a 4-5% bond return.